Commercial Umbrella Insurance for Your Small Business

Learn how commercial umbrella insurance can provide the liability coverage your business needs.

If you run a business, then you know how important it is to have comprehensive liability coverage.  However, if you are simply relying on standard commercial liability policies, then there’s a good chance that you have dangerous gaps in your coverage.  Luckily, investing in a commercial umbrella insurance policy will help you fill these gaps and will help you get the total coverage that your company needs.  Here’s what you need to know about commercial umbrella insurance.

What Does It Cover?

Commercial umbrella insurance provides excess liability coverage for businesses.  When your business faces an extensive liability claim that your standard liability policy cannot cover, then your umbrella policy will kick in and offer the coverage that your business needs.  To see commercial umbrella insurance at work, imagine that a customer injures themselves while on your business’s property.  Chances are that this will turn into a major liability issue for your business.  If the cost of the claim exceeds the coverage limits on your standard liability policy, then your umbrella policy will step in.  Your umbrella insurance will cover the remaining cost of the claim and ensure that your business’s assets are not compromised.

Do I Really Need It?

While commercial umbrella insurance isn’t a mandatory coverage, many business owners see it as an essential type of policy to have.  This is because investing in a commercial umbrella policy is the best way to fill your business’s liability coverage gaps and get your business the comprehensive insurance protections that it needs to stay safe.

Curious to learn more about what commercial umbrella insurance can do for your business?  Then don’t hesitate to turn to the professionals at Jack Stone Insurance Agency.  Our dedicated team is ready to assist you with all your business insurance needs.  Contact us to get started today.

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